Privacy Policy

Athena Financial Inc. ("Athena Financial", "we", "us") is an independent financial advisory firm based in Vancouver, British Columbia. This policy explains how we handle personal information when you visit our website, contact us, or become a client. [PLACEHOLDER: legal entity details — incorporation name and number, registered office address, and any trade name registrations.]

As a BC-based organization serving clients across Canada, we are accountable under two main privacy laws: - The Personal Information Protection and Electronic Documents Act (PIPEDA), the federal privacy law that applies to our commercial activities, including when we handle personal information in the course of cross-border or interprovincial business. - BC's Personal Information Protection Act (PIPA), which governs how private-sector organizations in British Columbia collect, use and disclose personal information. Where both laws apply, we follow the stricter standard. [PLACEHOLDER: confirm which law the firm's privacy commissioner filings designate as substantially similar — PIPEDA or BC PIPA — and cite the firm's designated privacy officer.]

The information we collect depends on how you interact with us: - Website and form submissions: when you request a complimentary assessment or send a message through this site, we collect your name, email address, phone number, and anything you choose to tell us about your goals and situation. - Client onboarding: if you become a client, we collect the personal and financial information reasonably needed to provide advice, such as income, assets, liabilities, tax situation, family circumstances, risk tolerance, and identification required by anti-money-laundering rules. - Technical information: our website may collect basic, non-identifying technical data such as browser type and pages visited. [PLACEHOLDER: list analytics tools used, if any, and their retention periods.]

We use personal information only for purposes a reasonable person would consider appropriate: - To respond to your enquiries and schedule assessments. - To prepare and deliver financial plans, tax considerations, insurance and investment guidance. - To meet legal, regulatory and professional obligations, including record-keeping requirements. - To send you information you have asked for. [PLACEHOLDER: state whether marketing emails are sent, and how consent is captured and withdrawn.]

We do not sell personal information. We share it only where necessary: - With third-party service providers that help us operate — for example, the platform that stores this website's content and processes form submissions. They act under contract and only as needed to provide their service. - With regulators, auditors or law enforcement where the law requires or permits it. - With product providers (such as insurers) when you choose to proceed with a recommendation. We will tell you who and why before anything is sent. [PLACEHOLDER: name the categories of service providers and product platforms used, and whether any are located outside Canada — if so, note that information may be subject to the laws of those jurisdictions.]

We keep personal information only as long as needed for the purposes above and to satisfy professional and regulatory record-keeping rules. [PLACEHOLDER: state the firm's retention schedule — for example, the number of years client files are retained after the relationship ends, and how website enquiries are purged.]

We use administrative, technical and physical safeguards appropriate to the sensitivity of the information, including restricted access to client files, encrypted transmission for this website's forms, and password-protected systems. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security. If a breach of your personal information occurs that creates a real risk of significant harm, we will notify you and, where required, report to the applicable regulator. [PLACEHOLDER: describe internal safeguards — who can access client files, device encryption policy, etc.]

Under PIPEDA and BC PIPA, you have the right to: - Ask what personal information we hold about you and see a copy of it. - Ask us to correct information that is inaccurate or incomplete. - Withdraw consent to future collection, use or disclosure, subject to legal and contractual restrictions and reasonable notice. - Ask questions or raise a concern about how we handle your information. We will respond to access and correction requests within the timeframes set by the applicable law. In some cases we may not be able to provide everything — for example, where providing it would reveal someone else's personal information or where the law requires us to keep it.

This website uses only the cookies and storage needed to make it work and to remember your preferences. [PLACEHOLDER: if any analytics, advertising or embedded-content cookies are used, describe them here and how a visitor can opt out.]

Our designated privacy officer is accountable for this policy. To ask a question, request access to your information, or make a complaint, contact us using the details below. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada (for PIPEDA matters) or the Office of the Information and Privacy Commissioner for British Columbia (for BC PIPA matters). [PLACEHOLDER: name and title of the designated privacy officer.]

We may update this policy from time to time. The revised version will be posted on this page with a new effective date. This policy was last reviewed [PLACEHOLDER: last reviewed date].